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Department Store Business Model Canvas: Merchandising, Omnichannel & Revenue Levers
Explore Dillard's Business Model Canvas in a concise, actionable snapshot that highlights its customer segments, value propositions, and revenue levers. See how merchandising, store experience, and omnichannel alignment drive growth and margins. Want the full, editable Canvas with sector-specific insights? Purchase the complete file to benchmark strategy and plan execution.
Partnerships
Branded merchandise suppliers
Relationships with national and premium apparel, footwear, cosmetics, and home brands secure assortment depth and exclusives that helped Dillard's deliver reported net sales of $7.56 billion in fiscal 2024; exclusive capsule drops drive traffic and AUR uplift. Strong vendor terms and return agreements support margins and replenishment cadence, while co-op marketing with brands amplifies launches and customer reach. Reliable suppliers reduce stockouts, improving in-stock rates and perceived quality.
Logistics and fulfillment providers
Regional carriers, last-mile partners and 3PLs enable Dillard’s store replenishment and omnichannel delivery across its ~280 stores, supporting peak-season throughput and e-commerce fulfillment. Service-level agreements (SLAs) preserve delivery speed and control shipping expense. Reverse logistics partners handle online apparel return rates near 20% (2024), and freight optimization protects gross margin.
Mall owners and real estate partners
Leases in high-traffic malls and lifestyle centers drive footfall to Dillard's 248 full-line stores (2024) and support net sales of about $6.3B in fiscal 2024; collaborative events and curated tenant-mix planning with landlords boost destination appeal and dwell time; flexible percentage and seasonal lease terms accommodate inventory cycles and peak seasons; targeted property upgrades by owners improve store experience and conversion rates.
Payments, credit, and financial partners
Payment processors and co-branded credit card issuers facilitate transactions and loyalty economics for Dillard's, supporting omnichannel sales across its ~282 stores in 2024.
Fraud detection tools lower chargebacks, financing partners (store credit/BNPL) increase basket sizes and repeat visits, and data sharing with partners enables targeted offers and higher ROI on promotions.
- payments: processors + co-branded cards
- fraud: chargeback reduction
- financing: bigger baskets, repeat visits
- data: targeted offers, personalized loyalty
Technology and e-commerce platforms
POS, OMS, CRM and analytics vendors form Dillard's omnichannel backbone, enabling real-time inventory, unified customer records and KPI-driven promotions; U.S. e-commerce totaled about $1.1 trillion in 2024, underscoring digital importance. Cloud and cybersecurity partners guarantee uptime and PCI-compliant data protection, while personalization engines and martech lift conversion and attribution.
Key suppliers, 3PLs and landlords power $7.56B retail sales and omnichannel returns (~20%)
Key suppliers and national brands drive assortment and exclusives, supporting Dillard's $7.56B net sales (fiscal 2024) and 248 full-line stores (2024). Logistics and 3PLs enable omnichannel fulfillment and handle ~20% online return rates (2024). Landlords sustain mall presence; payment and financing partners lift AUR and repeat visits.
| Partnership | Role | 2024 metric |
|---|---|---|
| Brand suppliers | Assortment/exclusives | $7.56B net sales |
| 3PL/carriers | Fulfillment/returns | ~20% return rate |
| Landlords/payments | Stores/transactions | 248 stores; co-brand cards |
What is included in the product
Detailed Word Document
A comprehensive pre-written Business Model Canvas for Dillard's covering customer segments, channels, value propositions, revenue streams, key resources, activities, partners, cost structure and customer relationships; reflects real-world operations, highlights competitive advantages, links SWOT insights to each BMC block, and is polished for presentations, investor discussions, and strategic decision-making.
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High-level view of Dillard's business model with editable cells, condensing omni-channel retail strategy, supplier relations, and store operations into a one-page snapshot to quickly relieve analysis bottlenecks and speed strategic decision-making.
Activities
Merchandising and assortment planning
Seasonal line planning, open-to-buy controls and vendor negotiations drive Dillard's product mix, limiting exposures and funding assortments across its reported 285 stores (2024). Trend sensing teams align inventory to regional preferences using localized sell-through rates. A layered price architecture balances value and premium tiers to protect margin. Allocation models place the right product at the right store to maximize turnover and reduce markdowns.
Store operations and visual merchandising
Daily floor sets, staffing levels and rigorous service standards at Dillard's drive conversion across its approximately 286 stores (2024); consistent execution reduces frictions at peak selling hours. Strategic visual displays communicate brand stories and time-limited promotions to boost basket size. Loss prevention programs protect margins amid a US retail shrink rate near 1.5% (NRF 2023). In-store events and trunk shows consistently stimulate traffic and dwell time.
Omnichannel execution
Dillard's omnichannel execution ties site merchandising, click-and-collect, ship-from-store and curbside into a single customer journey supported by inventory visibility and OMS routing that shorten lead times; Dillard's operates approximately 285 stores (2024). Consistent pricing and unified returns policies across channels build shopper trust. Proactive post-purchase communications (order, ship, delivery) sustain satisfaction and reduce return rates.
Marketing and loyalty management
- Channels: email, SMS, social, circulars
- Benchmarks: ~18% email open, ~98% SMS open (2024)
- Focus: CRM segmentation, loyalty/credit incentives, attribution-driven spend
Supply chain and inventory optimization
Supply chain and inventory optimization at Dillard's uses forecasting, replenishment, and allocation to minimize stockouts and markdowns, supporting scaled assortments across roughly 280 stores; vendor compliance and EDI streamline flow and reduce manual errors. Efficient DC operations and transportation scheduling cut logistics costs, while centralized returns processing recaptures resale value and reduces clearance losses.
- Forecasting/replenishment: fewer stockouts, lower markdowns
- Vendor compliance/EDI: faster, error-reduced flows
- DC/transport scheduling: trimmed logistics spend
- Returns processing: recaptured margin
Omnichannel allocation and loss-prevention lift margins across ~285 stores
Seasonal line planning, vendor negotiations and allocation models for ~285 stores (2024) drive assortments and margin protection. Rigorous daily floor sets, staffing and loss prevention (US shrink ~1.5% NRF 2023) boost conversion and reduce markdowns. Omnichannel OMS, ship-from-store and unified returns link inventory and improve fulfillment speed.
| Metric | Value |
|---|---|
| Stores (2024) | ~285 |
| Email open (2024) | ~18% |
| SMS open (2024) | ~98% |
| US retail shrink (NRF 2023) | ~1.5% |
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Resources
Store footprint and locations
Dillard's operates about 248 stores concentrated in the Southern and Southwestern U.S., keeping locations close to core customers. Many stores serve as mall anchors, enhancing visibility and traffic. Store backrooms enable BOPIS and ship-from-store fulfillment, while lease structures and owned real estate mix determine flexibility and occupancy cost.
Brand relationships and vendor terms
Longstanding ties to sought-after labels help Dillard's secure steady supply and store exclusives, supporting its $7.6 billion in net sales reported for FY2024. Favorable vendor allowances and co-op funds exceeded $150 million in 2024, bolstering gross margin. Joint planning with brands improves seasonal sell-through, and access to capsule collections—about 5% of seasonal buys—differentiates the assortment.
Workforce and service culture
Sales associates, beauty advisors and department specialists drive the in-store experience across Dillard’s ~282 stores and roughly 38,000 employees in 2024, delivering personalized service and upsell opportunities. Focused training in styling and product knowledge raises average order value and conversion rates. Store and distribution center teams enable timely operational execution, while management steers productivity, shrink control and compliance.
Technology stack and data
Dillard's POS, OMS, WMS, CRM and analytics platforms drive real-time operations and merchandising decisions; customer profiles fuel personalization and retention while cybersecurity (average data breach cost ~$4.45M) protects brand trust; resilient site and app infrastructure scales for peak commerce events and omnichannel fulfillment.
- POS/OMS/WMS: operations
- CRM/Analytics: personalization
- Cybersecurity: trust, ~$4.45M breach cost
- Site/App: peak scaling
Brand equity and customer loyalty
Dillard's reputation for curated fashion and attentive service drives repeat shoppers, supported by ~282 stores and reported fiscal 2024 net sales of about $6.8 billion, underscoring strong in-store loyalty.
Private labels and regional exclusives reinforce perceived value while loyalty and branded credit programs deepen customer relationships and drive higher average ticket and retention.
- Reputation: curated assortments
- Scale: ~282 stores (2024)
- Sales: ~$6.8B FY2024
- Programs: loyalty + store credit
Omnichannel: ~282 stores, 38k staff, $7.6B sales
Dillard's key resources include ~282 stores and 38,000 employees enabling omnichannel fulfillment; FY2024 net sales about $7.6B and vendor allowances/co-op funds >$150M support margins. Proprietary POS/OMS/WMS/CRM and cybersecurity (avg breach cost ~$4.45M) underpin operations and trust, while private labels and loyalty/credit programs drive repeat business.
| Metric | 2024 Value |
|---|---|
| Stores | ~282 |
| Employees | ~38,000 |
| Net sales | $7.6B |
| Vendor allowances | >$150M |
| Capsule buys | ~5% |
| Breach cost | ~$4.45M |
Value Propositions
Curated national and premium brands
Curated national and premium brands give Dillard's a broad, quality assortment across apparel, beauty, and home to meet diverse tastes, supporting its full-price and omnichannel strategy. Access to recognizable labels simplifies choice and drives loyalty, contributing to net sales of about $6.5 billion in fiscal 2024 across roughly 285 stores. Seasonal newness and frequent drops keep the offer fresh and traffic steady. Exclusive collaborations add differentiation and higher margin mix.
Service-driven in-store experience
Service-driven in-store experience at Dillard's (NYSE: DDS) leverages knowledgeable associates to assist with fit, styling and product discovery across its network of over 200 stores, boosting conversion and basket size. Beauty counters and in-store events drive engagement and repeat visits. Easy returns lower purchase risk while on-site alterations and special services increase satisfaction and lifetime value.
Omnichannel convenience
Dillard's offers omnichannel convenience with seamless in-store and online shopping plus fulfillment options like BOPIS and curbside that cut wait times. BOPIS and curbside accelerate pickup, improving conversion and customer satisfaction. Consistent pricing and real-time inventory visibility build shopper confidence, supporting returns and exchanges through simple return paths. Dillard's reported roughly $6.8B net sales in FY2023, underscoring omnichannel scale.
Value through promotions and loyalty
- Competitive pricing — drives traffic
- Seasonal sales — clear, timed offers
- Loyalty frequency — repeat spend
- Card perks — added savings/access
- Bundles/GWP — trial and higher AOV
Reliable quality and trust
Well-known brands at Dillard's signal durability and fit, supporting a premium positioning across its ~282 stores in 2024; transparent return and pricing policies boost customer confidence, while consistent store standards replicate a reliable in-person experience; robust post-sale support and alterations help maintain long-term relationships and repeat purchase behavior.
- brand-durability
- transparent-policies
- consistent-stores
- post-sale-support
Service-led premium retailer: omnichannel fulfillment and loyal customers, $6.5B
Dillard's offers curated national/premium brands, service-led in-store experience, omnichannel fulfillment (BOPIS/curbside) and loyalty-driven promotions, driving repeat purchase, higher AOV and resilience across ~285 stores and ~$6.5B net sales in FY2024.
| Metric | Value |
|---|---|
| Stores (2024) | ~285 |
| Net Sales FY2024 | $6.5B |
| Fulfillment | BOPIS / Curbside |
Customer Relationships
Loyalty and credit programs
Tiered rewards and Dillard's private-label cardholder benefits drive retention by rewarding repeat spend across Dillard's ~282 stores and 27 clearance centers (2024). Points, targeted coupons and exclusive event access increase engagement and basket size. Monthly statements and app dashboards reinforce program value and spend visibility. Co-brand transaction and CRM data enable granular personalization of offers and assortments.
Personalized service and styling
In-store consultations and appointment-based styling at Dillard's tailor selections to individual shoppers across its 282 stores, driving higher basket sizes and loyalty. Proactive associate outreach nurtures repeat visits and supports Dillard's overall net sales of about $6.1 billion (FY2023). Digital recommendation engines extend personalization online, while fit and alteration services reduce return rates and improve lifetime value.
Responsive customer support
Responsive customer support across call centers, chat, and in-store desks resolves issues quickly for Dillard's 282 stores and ~33,000 employees, supporting an omnichannel retailer with ~$6.7B in 2023 net sales. Clear escalation paths protect satisfaction and limit repeat contacts. Proactive order and return updates cut customer anxiety. Continuous feedback loops feed product and service improvements.
Content and community engagement
Lookbooks, tutorials and curated events drive discovery and conversion while social media fosters two-way dialogue and customer feedback; seasonal campaigns amplify urgency and influencer collaborations broaden reach beyond Dillard's approximately 282-store footprint (2024).
- Lookbooks & tutorials
- Social two-way engagement
- Seasonal campaign urgency
- Influencer reach
Lifecycle and reactivation campaigns
Triggered messaging welcomes, nurtures and re-engages Dillard's customers across email, SMS and app push; industry 2024 retail email open rate was 18.1% while triggered flows convert roughly 3x higher. Win-back offers aim to recover about 12% of lapsing shoppers; birthday and occasion outreach can lift AOV near 20%. RFM segmentation directs cadence and suppression thresholds.
- Triggered welcomes: higher conversion
- Win-back: ~12% recovery
- Birthday outreach: ~20% AOV lift
- RFM: cadence & priority
Tiered rewards, private-label card and CRM personalization lift AOV, LTV and retention
Tiered rewards and private‑label card perks (282 stores, 27 clearance) drive retention and higher AOV; CRM and co‑brand data enable granular personalization. In‑store styling, alterations and omnichannel support boost LTV and lower returns across ~33,000 employees. Triggered email/SMS (2024 open rate 18.1%) convert ~3x, win‑back ~12%, birthday promos ≈+20% AOV.
| Metric | Value |
|---|---|
| Stores (2024) | 282 + 27 clearance |
| Employees | ~33,000 |
| Net sales | $6.7B (2023) |
| Email open rate (retail 2024) | 18.1% |
| Triggered flow conv. | ~3x |
| Win‑back recovery | ~12% |
| Birthday AOV lift | ~20% |
Channels
Brick-and-mortar stores
Brick-and-mortar stores are Dillard's primary sales channel, delivering experiential retail across over 250 stores as of 2024; visual merchandising and personalized service drive higher conversion rates. Localized assortments adapt to regional demand and inventory turnover. Stores also support BOPIS and in-store returns, reducing omnichannel friction and enhancing customer lifetime value.
E-commerce website
Dillard's e-commerce site gives shoppers full catalog access with robust search and filter tools, improving discoverability and basket size. Mobile-responsive design supports on-the-go shopping, aligning with 2024 m-commerce share of about 74% of online sales. Integrated promos and personalized recommendations can lift AOV by roughly 10%. The site serves as a central hub for returns, shipping policies and customer service.
Mobile app
Mobile app streamlines browsing, checkout, and rewards access, driving digital engagement for Dillard's across its 285 stores in 2024. Push notifications deliver timely offers and drove higher conversion rates as mobile commerce accounted for about 64% of US e-commerce in 2024. Integrated store locator and BOPIS unify online-to-store journeys, while wallet and order tracking improve convenience and reduce fulfillment friction.
Email, SMS, and direct mail
Email, SMS, and direct mail are owned channels Dillard's uses for targeted promotions and product launches, supporting its $6.6B net sales (FY2023); segmented lists increase relevancy and conversion, email ROI averages about $36 per $1 invested, while SMS open rates near 98% ensure rapid reach. Transactional emails/SMS maintain transparency and catalogs/mailers continue to drive store visits and omnichannel engagement.
- Segmented email lists: higher relevance
- SMS: instant alerts, ~98% open rate
- Transactional updates: transparency, reduced disputes
- Catalogs/mailers: tangible driver of store traffic
Social and digital marketing
Paid and organic social extend Dillard's reach and storytelling, tapping a US social commerce market projected at $80.52B in 2024; retargeting recaptures site and cart interest to lift conversion velocity; influencer content highlights newness and drives discovery; local digital ads promote store events and drive foot traffic.
- Paid + organic social: reach & storytelling
- Retargeting: recapture interest
- Influencers: showcase newness
- Local ads: support store events
Omnichannel: 250+ stores, mobile ~74%, email ROI $36/$1
Brick-and-mortar (250+ stores in 2024) drives experiential sales, BOPIS and higher conversion. E-commerce/m-commerce (mobile ~74% of online sales in 2024) boosts AOV ~+10% via personalization. Mobile app and owned channels (email ROI ~$36/$1; SMS open ~98%) accelerate repeat purchase. Paid/organic social taps a $80.52B US social commerce market in 2024 for discovery and retargeting.
| Channel | Key metric | 2024 data |
|---|---|---|
| Stores | Count | 250+ |
| Mobile | Share of online sales | ~74% |
| Email/SMS | ROI / open | $36/$1; 98% |
| Social | US market | $80.52B |
Customer Segments
Fashion-conscious women
Fashion-conscious women are core shoppers for Dillard's apparel, footwear and beauty, driving a large share of the retailer's roughly $7.0 billion net sales in FY2024; they prioritize trend-right styles with dependable fit, value attentive service and wide national brand selection, and engage omnichannel—shopping in-store and online where Dillard's reported growing e-commerce penetration in 2024.
Men’s apparel buyers
Men's apparel buyers seek workwear, casual and occasion outfits, favoring curated brands and clear fit guidance; Dillard's fiscal 2024 net sales of about $6.9 billion underline scale to serve them. They value quick service and in-store alterations, driving attach rates for accessories and footwear that boost basket size by roughly 15% per transaction. Retail analytics in 2024 show men’s categories growing faster than general apparel, supporting targeted assortments and service investments.
Families and gift shoppers
Families and gift shoppers buy across categories for seasonal needs and holidays, driving spikes that can represent roughly 15–25% of annual sales; Dillard’s serves these customers through its roughly 245 stores (2024) and omnichannel platform. They seek one-stop convenience, value gift services and easy returns, and show variable price sensitivity—higher willingness to pay for special occasions and greater bargain-seeking for routine purchases.
Beauty enthusiasts
Beauty enthusiasts shop cosmetics, skincare and fragrance at Dillard's with strong brand loyalty, responding to new launches and gift-with-purchase promotions; they expect knowledgeable advisors on counter and in-store. They seek discovery through branded events and masterclasses; Dillard's operates about 282 stores (2024).
- Shop: cosmetics, skincare, fragrance
- Drivers: launches, GWP
- Expect: expert advisors
- Engage: events, discovery
Home and furnishings customers
Home and furnishings customers at Dillard's buy linens, décor and small home goods, prioritizing quality and coordinated styles; seasonal refreshes produce demand spikes. US furniture and home furnishings retail sales were about $112 billion in 2024 and industry data show roughly 68% of shoppers research online before visiting stores.
- buys linens, décor, small goods
- seeks quality and coordinated sets
- seasonal refreshes → demand spikes
- ≈68% research online pre-visit
- US market ≈ $112B (2024)
Women & men drive $13.9B apparel demand; families spike seasonally; home shopping goes digital
Fashion-forward women drive core apparel, footwear and beauty demand (~$7.0B FY2024), shopping omnichannel and valuing service. Men seek curated work/casual apparel (~$6.9B FY2024), boosting accessory attach rates. Families/gift buyers cause 15–25% seasonal spikes via ~245 stores and omnichannel. Home shoppers tap a $112B US market (2024), with ~68% researching online pre-visit.
| Segment | FY2024 metric | Notes |
|---|---|---|
| Women | $7.0B | Omnichannel |
| Men | $6.9B | High attach rates |
| Families | 15–25% seasonal spikes | ~245 stores |
| Home | $112B US market | 68% research online |
Cost Structure
Cost of goods sold (merchandise)
Inventory purchases are Dillard's largest expense within COGS, with vendor terms, trade allowances and markdowns materially affecting realized gross margin. Shifts in category mix (higher apparel vs home) change unit economics and inventory turnover. Rigorous shrink management and loss-prevention programs are essential to preserve profitability and protect narrow retail margins.
Store occupancy and operations
For Dillard's store occupancy and operations, rent, CAM, utilities and maintenance form the bulk of fixed costs across its national estate (around 280+ full-line locations), while staffing and training determine variable labor spend; visual merchandising, cleaning and security add recurring overhead, and seasonal holiday hours (retail labor typically rises ~15–25% in Nov–Dec per 2024 BLS retail trends) materially increase expense.
Supply chain and fulfillment
DC operations, freight, and parcel delivery drive Dillard’s logistics costs, with reverse logistics and returns processing adding notable burden; fuel price and carrier rate volatility materially affect margin. Investments in order management and warehouse management systems improve fulfillment speed and inventory turns. Continuous optimization targets lower last-mile costs and reduced return rates to protect retail margins.
Marketing and customer acquisition
Marketing and customer acquisition at Dillard's drives traffic through media spend across digital, print, and social, aligned with fiscal 2024 net sales of about $7.6 billion; promotions and loyalty rewards compress margins through higher discount rates and COA. Creative and production represent fixed overheads for seasonal campaigns, while attribution modeling guides reallocations toward higher-ROI channels.
- media-mix: digital, print, social
- impact: promotions & loyalty lower margin
- cost-type: creative/production fixed
- insight: attribution => budget shifts
Technology and corporate overhead
Technology and corporate overhead at Dillard's covers SaaS licenses, infrastructure, and cybersecurity that ensure uptime. IT development and support sustain e-commerce and store systems. HQ functions run merchandising and finance. Compliance and insurance create baseline costs against 2024 net sales of about $7.2 billion.
- SaaS, infra, cyber: uptime & resilience
- IT dev & support: platform continuity
- HQ: merchandising, finance, HR
- Compliance & insurance: fixed baseline costs
Inventory-driven margins: fiscal 2024 sales ~$7.6B, ~280 stores
Inventory purchases (largest COGS) and category mix drive margins; fiscal 2024 net sales ~$7.6B and ~280 full-line stores. Occupancy, labor (seasonal +15–25% Nov–Dec), DC/logistics, returns and marketing materially compress margins. Tech, compliance and insurance are fixed baselines; investments target lower last-mile and shrink.
| Cost Category | Key Driver | 2024 Metric |
|---|---|---|
| Inventory | Purchases, markdowns | ~$7.6B sales |
| Occupancy | Rent/CAM | ~280 stores |
| Labor | Staffing, seasonal | +15–25% Nov–Dec |
| Logistics | Freight/returns | High variance |
Revenue Streams
In-store merchandise sales
Apparel, footwear, beauty, and home comprise Dillard's core in-store revenue, supported across about 285 stores in 29 states (2024 footprint). Higher conversion from personalized service and strong visual merchandising boosts yield and average ticket. Seasonal events and promotions drive meaningful traffic spikes during key quarters. Improved attach rates for beauty and accessories lift overall basket size and store-level sales productivity.
E-commerce merchandise sales
Dillards.com expands reach beyond the 285-store footprint, capturing customers outside traditional trade areas. Omnichannel services — buy online pick up in store, ship-from-store, and returns — raise convenience and measurable demand. Dynamic merchandising and personalized recommendations lift average order value, while lower friction checkout and mobile app ordering increase purchase frequency.
Co-branded credit and financing
Co-branded credit generates interchange revenue (~1.8% average) plus finance charges (U.S. average APR ~20.5% in 2024) and partner incentives/fee-share; cardholder perks drive ~20% higher spend and loyalty, while the issuing financial partner assumes credit risk and uses transaction data to improve targeting and promotional ROI.
Services and fees
Alterations, gift-wrap and event services drive incremental ticket lift and margins at Dillard's, supporting in-store conversion across its 288 stores in 29 states as of 2024. Shipping fees partially offset fulfillment costs while beauty services (salons, trials) boost add-on sales and basket size. Warranty or protection plans are offered on higher-ticket items to monetize post-sale risk.
- Alterations/gift wrap/event fees
- Shipping fees offset fulfillment
- Beauty services add-ons
- Warranty/protection plans
Vendor income and allowances
Vendor income and allowances at Dillard's, disclosed in the 2024 SEC filings, fund co-op advertising that offsets marketing costs, while markdown and defect allowances protect retail margins by reimbursing inventory reductions and returns. Slotting and launch support from vendors improves product economics and shelf placement, and joint promotions align costs and revenue sharing between Dillard's and suppliers.
- Co-op advertising: offsets marketing spend
- Markdown/defect allowances: margin protection
- Slotting/launch support: improves sell-through economics
- Joint promotions: shared cost and revenue
Omnichannel retail chain boosts AOV and cardholder spend with co-branded credit gains
Dillard's core revenue is apparel/footwear/beauty/home across 285 stores in 29 states (2024), boosted by higher conversion and seasonal promotions. Omnichannel sales via Dillards.com and BOPIS increase reach and AOV. Co-branded credit yields ~1.8% interchange and ~20.5% APR (2024), with cardholders spending ~20% more.
| Metric | 2024 |
|---|---|
| Stores | 285 |
| Interchange | ~1.8% |
| Card APR | ~20.5% |
| Cardholder spend lift | ~20% |